How do you feel about having professional liability insurance, what reasons do nursing not carry professional liability insurance? Are these valid?
* Health professionals liability insurance is insurance coverage that 's made to protect professionals who provide medical services or give health and wellness related opinions as a means to earn a living.
Even if you are vigilant in the care you provide , have healthy patient relationship and would never intentionally harm a client , the reality is that any dissatisfied client can make a claim that you were negligent in your treatment and made an inappropriate advance.
As long as any error you make in your work are not intentional or criminal in nature , professional liability insurance will cover you.Buying a professional liability insurance helps you be prepared and protected , if a claim is made against you.
** Nursing not carry professional liability insurance .Its often because they believe the following common myths.-
1. They have the myths that their employer's insurance will cover them- where its true that the employers insurance typically covers nurses who work in a hospital or clinic., that does not mean a nurse should not carry insurance itself.
2. They have the belief that having insurance invites lawsuits-when a medical or nursing error occurs , a standard practice is to sue everyone involved as the attorney's don't know who has insurance when they file the lawsuit.
3. They have the myth that good nurses don't get sued- this is the biggest reason nurses leave themselves uninsured. They make the mistake of thinking that as long as they are following a doctor's order and their employees policies they are legally in the clear.But that simply is not true.
*** These are not valid.For nurses professional liability insurance is an effective way to protect their livelihood and their careers. Given the low cost and potential benefit , not having malpractice insurance is a risk no nurse should take.
How do you feel about having professional liability insurance, what reasons do nursing not carry professional liability...
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